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Business Insurance

Business Insurance

As a business owner, you work hard to cultivate and maintain your business. You want to keep your business, employees and other investments safe but the risks you face every day threaten what you’ve built.

Erie Insurance has put its knowledge of risks to work by offering products and services to help protect you and your business. Read more about the coverage that is available from Erie Insurance and our agency.*

Small to medium-sized retail, wholesale, office and service businesses. Examples include gift shops and specialty stores, bakeries, deli and coffee shops, barber shops and beauty salons, accounting and bookkeeping firms, and medical and dental offices.

Religious organizations.

Apartment Buildings, Condo Associations, Building Owners

As a property owner, you have special insurance coverage needs. ERIE’s Ultrapack Plus Policy will help protect property owners, who may need property and liability coverage for their apartment buildings, condominiums, leased offices, shopping centers and other properties.

ERIE’s Fivestar Contractors program is designed for artisan tradespeople and residential construction contractors. Additional coverage can be written to meet your business needs for employee tools, contractors’ equipment, voluntary property damage, and installation and builders’ risk coverages.

ERIE’s Business Catastrophe Liability (BCL) Policy provides additional liability coverage for eligible business operations. It serves as a financial reserve or cushion against a judgment beyond the limits of your primary liability policies.

Employment Practices Liability Insurance

An Employment Practices Liability (EPL) claim can be leveled at any business. Any of these practices – hiring, performance assessments, payroll decisions and terminations – can give rise to an EPL claim.EPL insurance is an affordable way for business owners to protect against employees’ claims alleging discrimination, wrongful termination or harassment, including sexual harassment. EPL provides coverage for damage and defense costs arising out of these claims. ERIE can also provide coverage for unknown prior acts and third-party liability.

Workers’ Compensation

Workers’ Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. It pays for medical bills and lost wages as required by state law. The policy also provides Employers’ Liability insurance for any related suits that are permitted under state law.ERIE provides many services to help prevent and manage employee injury, including loss control resources, physician panels and medical management.

Commercial and Contract Bonds

Your word is your bond; however, in some instances, you’ll need that in writing. ERIE’s bond program offers several surety tools to satisfy your business requirements. The variety of ERIE products includes Contract Bonds, License and Permit Bonds, Court Bonds, Judicial Bonds, Public Official Bonds and Financial Guaranty Bonds.